It's all about power. It sounds like your charger is a 50W charger or is limited to 50W when run from the mains. Depending on what voltage your pack is at your charger will change the current to keep it within its 50W limit. 50(W)/15.625(V)=3.2(A) As the voltage rises further the current will drop further.
If you had a dualcharger and split the pack then that would be fine because the 7.4V pack would fall within the 50W limit when charged at 5A. Depending on the charger you would then likely be able to charge the pack at the maximum current available on said charger.
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